Erie and State Farm carry the cheapest car insurance rates for most drivers in West Virginia. However, if you're a senior driver in West Virginia, Erie and Progressive are your top two most affordable choices for car insurance in the state.
In this article
The cheapest car insurance companies in West Virginia
Erie and State Farm carry the cheapest average overall car insurance rates for drivers in West Virginia, including those with a DUI or other driving offense. Erie has an average rate of $32 a month and State Farm has an average rate of $39 a month. For comparison, West Virginia has an average car insurance rate of $62 a month.
The cheapest minimum-coverage car insurance in West Virginia
Of the most popular car insurance providers operating in West Virginia, Erie has the most affordable average rate for minimum coverage at $32 a month. State Farm has the second-cheapest rate at $39 a month.
| Company | Monthly rate |
|---|---|
| Erie | $32 |
| State Farm | $39 |
| USAA | $51 |
| Westfield | $55 |
| Allstate | $57 |
| GEICO | $74 |
| Nationwide | $91 |
| Progressive | $94 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Minimum-coverage auto insurance, also known as liability auto insurance, covers damage and injuries you cause others as the result of a car accident. Most states require you to carry certain legal limits of minimum-coverage auto insurance. West Virginia's minimum-coverage limits are:
Bodily injury liability per person: $25,000
Bodily injury liability per accident: $50,000
Property damage liability: $25,000
Uninsured motorist bodily injury per person: $25,000
Uninsured motorist bodily injury per accident: $50,000
Uninsured motorist property damage per accident: $25,000
Underinsured motorist bodily injury per person: $25,000
Underinsured motorist bodily injury per accident: $50,000
The cheapest full-coverage car insurance in West Virginia
West Virginia drivers find the cheapest full-coverage car insurance with State Farm, which offers an average rate of $79 a month. Erie has the next-lowest rate at $81 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $79 |
| Erie | $81 |
| USAA | $122 |
| Progressive | $129 |
| Westfield | $140 |
| Allstate | $155 |
| GEICO | $171 |
| Nationwide | $187 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The importance of full-coverage car insurance lies in the fact that it helps cover your own damages and injuries after an accident. Minimum-coverage auto insurance only covers the damage and injuries you cause to others. Full-coverage auto insurance isn't legally required by any state. However, if you leased your car, your borrower will probably require you to carry a full-coverage policy.
Get cheap car insurance in West Virginia
West Virginia's cheapest car insurance after a driving offense
If you have an accident or speeding ticket on your record in West Virginia, State Farm has the cheapest car insurance rates for you. State Farm's average rate after a car accident is $93 a month. Erie is next at $97 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $93 |
| Erie | $97 |
| USAA | $181 |
| Nationwide | $187 |
| Westfield | $201 |
| Progressive | $202 |
| Allstate | $225 |
| GEICO | $271 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you have a speeding ticket on your insurance record, State Farm has the cheapest average auto insurance premium at $86 a month. Erie is the next-most affordable provider at $89 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $86 |
| Erie | $89 |
| Westfield | $140 |
| USAA | $143 |
| Progressive | $169 |
| Allstate | $174 |
| GEICO | $180 |
| Nationwide | $227 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The cheapest car insurance in West Virginia with a DUI
If you're a West Virginia driver with a DUI, you'll find your cheapest rate for car insurance with State Farm at $86 a month. Erie has the next-lowest rate at $125 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $86 |
| Erie | $125 |
| Progressive | $178 |
| Allstate | $212 |
| USAA | $224 |
| Westfield | $324 |
| Nationwide | $354 |
| GEICO | $588 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In West Virginia, a DUI stays on your auto insurance record for 10 years. Along with higher rates, a DUI can carry the following penalties:
- One day to six months in jail
- $100 to $500 in fines
- License revocation for six months
Who has the cheapest car insurance for teens in West Virginia?
Erie has the cheapest rates for teens for minimum- and full-coverage auto insurance, as well as for auto insurance coverage after an accident or speeding ticket. For teens with a DUI, Progressive has the lowest average premium in the state.
Drivers who are 18 years old in West Virginia pay an average of $175 a month for minimum-coverage car insurance, and $387 for full coverage. Teen drivers pay more for car insurance than any other age group. This is due to insurers seeing teens as being inexperienced drivers, and therefore a higher risk.
Cheapest minimum-coverage car in West Virginia for teens
West Virginia teens pay the lowest rate for auto insurance with Erie, at an average of $53 a month. Progressive is their next-lowest average rate of $83 a month.
| Company | Monthly rate |
|---|---|
| Erie | $53 |
| Progressive | $83 |
| State Farm | $116 |
| Allstate | $145 |
| USAA | $158 |
| Westfield | $242 |
| GEICO | $246 |
| Nationwide | $353 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for West Virginia teens
Teens in West Virginia find the most affordable full-coverage car insurance policy with Erie at $139 a month. Progressive is the next-lowest insurer for full-coverage at $160 a month.
| Company | Monthly rate |
|---|---|
| Erie | $139 |
| Progressive | $160 |
| State Farm | $273 |
| USAA | $407 |
| Allstate | $440 |
| GEICO | $532 |
| Westfield | $547 |
| Nationwide | $599 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The cheapest car insurance for West Virginia teens with a driving offense
If you're a West Virginia teen with an accident on your insurance record, Erie has the lowest rate available at $163 a month. Progressive is your next-most affordable choice for $191 a month.
| Company | Monthly rate |
|---|---|
| Erie | $163 |
| Progressive | $191 |
| State Farm | $402 |
| USAA | $485 |
| Allstate | $526 |
| GEICO | $532 |
| Westfield | $635 |
| Nationwide | $693 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Looking for car insurance after a speeding ticket? West Virginia teens pay the lowest average rate with Erie at $161 a month. Progressive is the next-cheapest option at $176 a month.
| Company | Monthly rate |
|---|---|
| Erie | $163 |
| Progressive | $191 |
| State Farm | $402 |
| USAA | $485 |
| Allstate | $526 |
| GEICO | $532 |
| Westfield | $635 |
| Nationwide | $693 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for West Virginia teens after a DUI
If you're a teen in West Virginia with a DUI offense on your insurance record, Progressive has the lowest rate for you at $176 a month. Erie is the next-cheapest option at $199 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $176 |
| Erie | $199 |
| State Farm | $415 |
| Allstate | $637 |
| USAA | $641 |
| Nationwide | $657 |
| GEICO | $691 |
| Westfield | $1,040 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare rates from top car insurance companies
The cheapest car insurance for West Virginia seniors
Erie has the lowest average car insurance rates for senior drivers all the way down the line in West Virginia, except for after a DUI, in which case Progressive offers the lowest rate. State-wide, West Virginia seniors pay an average of $56 a month for minimum-coverage car insurance and $117 for full coverage.
Senior drivers pay higher car insurance rates than other age demographics, barring teenagers. This is largely due to the decrease in reflexes and reaction time as we age.
Cheapest minimum-coverage car insurance for seniors in West Virginia
If you're looking for the most affordable liability auto insurance in West Virginia for seniors, Erie has the cheapest rate for you at $26 a month. State Farm has the next-lowest rate at $38 a month.
| Company | Monthly rate |
|---|---|
| Erie | $26 |
| State Farm | $38 |
| USAA | $46 |
| Westfield | $49 |
| Allstate | $55 |
| GEICO | $68 |
| Nationwide | $81 |
| Progressive | $87 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for West Virginia senior drivers
Erie has the cheapest rate for West Virginia seniors looking for full-coverage car insurance at $65 a month. State Farm is the next-cheapest option at $73 a month.
| Company | Monthly rate |
|---|---|
| Erie | $65 |
| State Farm | $73 |
| USAA | $106 |
| Progressive | $113 |
| Westfield | $124 |
| Allstate | $140 |
| GEICO | $156 |
| Nationwide | $160 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance in West Virginia for seniors with a driving offense
West Virginia seniors find their lowest average car insurance premium after an accident with Erie at $73 a month. State Farm has the second-cheapest rate at $87 a month.
| Company | Monthly rate |
|---|---|
| Erie | $78 |
| State Farm | $87 |
| Nationwide | $160 |
| USAA | $173 |
| Westfield | $185 |
| Progressive | $187 |
| Allstate | $203 |
| GEICO | $256 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Seniors in West Virginia with a speeding ticket find their most affordable rate with Erie at $71 a month. State Farm is next at $80 a month.
| Company | Monthly rate |
|---|---|
| Erie | $71 |
| State Farm | $80 |
| USAA | $124 |
| Westfield | $124 |
| Progressive | $152 |
| Allstate | $157 |
| GEICO | $165 |
| Nationwide | $199 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance in West Virginia for seniors with a DUI
After a DUI, West Virginia seniors get the cheapest car insurance with State Farm at $80 a month. Erie is the next-cheapest option at $99 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $80 |
| Erie | $99 |
| Progressive | $163 |
| Allstate | $192 |
| USAA | $194 |
| Westfield | $308 |
| Nationwide | $321 |
| GEICO | $573 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance in West Virginia by city
Of the most populated cities in West Virginia, Martinsburg residents pay the lowest car insurance rates at $54 a month. Clarksburg, Fairmont and Morgantown share the second-cheapest rate of $57 a month, on average. Wheeling and Weirton share third place at $59 a month.
| City | Monthly rate |
|---|---|
| Martinsburg | $54 |
| Clarksburg | $57 |
| Morgantown | $57 |
| Fairmont | $57 |
| Wheeling | $59 |
| Weirton | $59 |
| Parkersburg | $61 |
| Charleston | $64 |
| Beckley | $64 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much car insurance do I need in West Virginia?
Drivers in West Virginia are required by law to carry the following liability auto insurance limits:
Bodily injury liability per person: $25,000
Bodily injury liability per accident: $50,000
Property damage liability: $25,000
West Virginia drivers are also required to carry the following coverage types and limits:
Uninsured motorist bodily injury per person: $25,000
Uninsured motorist bodily injury per accident: $50,000
Uninsured motorist property damage per accident: $25,000
Underinsured motorist bodily injury per person: $25,000
Underinsured motorist bodily injury per accident: $50,000
Keep in mind that these limits reflect the minimum legal limits required, not the limits recommended. States rarely update their required car insurance limits, and they do not reflect the adequate amounts of coverage you would need if an accident resulted in a long court case or hospital stay. If your car insurance limits are reached after an accident, you'll have to pay the remaining costs out of pocket. To avoid this, we recommend raising your liability limits to the following:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in West Virginia:
- Allstate
- Erie
- GEICO
- Nationwide
- Progressive
- State Farm
- USAA
- Westfield
Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.
Sources:
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.